印度的小额金融银行由于成本上升和部门挑战而面临信贷增长和盈利放缓。 Small Finance Banks in India face slowing credit growth and profitability due to rising costs and sector challenges.

印度的小额金融银行预计信贷增长会放缓,到2025财政年度将降至18-20%,而2024财政年度为24%,原因是信贷成本提高和小额融资部门面临挑战。 Small Finance Banks (SFBs) in India are expected to see a slowdown in credit growth to 18-20% in FY2025, down from 24% in FY2024, due to higher credit costs and microfinance sector challenges. ICRA预测,到2026财政年度,增长率将回升至20-23%。 ICRA forecasts growth to rebound to 20-23% in FY2026. SFB一直在向有担保的贷款多样化,但面临利润和资产质量的压力。 SFBs have been diversifying into secured loans but face pressure on profitability and asset quality. 预计资产回报率在2025财政年度将从2024财政年度的2.1%下降到1.4-1.6%。 2026财政年度略有改善。 Return on assets is expected to drop to 1.4-1.6% in FY2025 from 2.1% in FY2024, with a slight improvement in FY2026.